| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 1661 WORTHINGTON ROAD WEST PALM BEACH, FL 33409 | BLUE CROSS BLUE SHIELD OF FLORIDA | $186K | — | $186K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | STARMOUNT LIFE INSURANCE COMPANY | $48K | $6K | $54K | 17.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | STARMOUNT LIFE INSURANCE COMPANY | — | $22K | $22K | 6.77% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $5K | $43K | 17.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 8.53% |
| BROWN & BROWN INSURANCE SERVICES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$98 | — | -$98 | -0.13% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $583 | $5K | 17.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 9.00% |
| BROWN & BROWN INSURANCE SERVICES3 | — | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $2K | — | $2K | 8.83% |
| BROWN & BROWN INSURANCE SERVICES3 | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | UNUM INSURANCE COMPANY | $3K | $275 | $3K | 22.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | — | $688 | $688 | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INC. | 1661 WORTHINGTON RD. STE 175 WEST PALM BEACH, FL 33409 | METROPOLITAN GENERAL INSURANCE COMPANY | $58 | — | $58 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $53 | $53 | 0.67% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 1401 FORUM WAY #400 WEST PALM BEACH, FL 33401 | UNUM INSURANCE COMPANY | $1K | $146 | $2K | 21.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | — | $366 | $366 | 4.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1661 WORTHINGTON RD. SUITE 175 WEST PALM BEACH, FL 33409 | ACE AMERICAN INSURANCE COMPANY | $712 | — | $712 | 15.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 203 | $3.8M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 203 | $395K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 203 | $320K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $303K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $255K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $273K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 203 | $3.7M |
| Other(9 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.